. >> reporter: eric and dorothy pincus moved in two weeks ago. >> put this over here. >> reporter: this three-bedroom house in los angeles cost him $900,000. they took out a loan for about $700,000. >> it was certainly more complicated than i anticipated. >> and that sounds like a nice way of saying it. >> it was brutal. it was painful. there were a lot of times we thought it might not happen. >> reporter: the pincuses needed a jumbo loan. they're common in expensive markets such as los angeles, chicago, and new york. ium bowes usually make up 25% of all new mortgages but they fell to 4.3% after the housing bubble burst. they've climbed back to 11.3% last year. that's that spurred sales of homes priced between $750,000 and $1 million. they're up 52% in the past year. >> the banks put you through a thousand different hoops before they finally say, hey, here's your money. >> reporter: mortgage broker steve maizes says lenders require at least 20% down and a credit score above 700 to get a jumbo loan. >> two years ago the banks were just saying, no, i'm not going to give you a loan, even i